摘要：Many of the trends established in the past year continued in the
third quarter. Profitability, as measured by return on average assets
(ROA), was essentially flat, and on an annual basis it decreased. Still,
ROA is quite high by historical standards.1 Net interest margins were
flat at smaller banks both locally and nationally, while they declined at
the large institutions.
Loan quality continued to deteriorate, with the ratio of nonperforming
loans to total loans increasing slightly at both large banking
organizations and community banks locally and nationally. At community
banks, nonperforming commercial real-estate (CRE) and home
equity loans (HE) accounted for the increase in the ratio of nonperforming
loans to total loans. At the large organizations, real-estate
loan quality in general declined, with increases in nonperforming CRE,
mortgage, and HE loans.
